Renters Insurance at IMT Cherry Creek Apartments
What Affects Your Premium Here
Every building is different. These factors specific to IMT Cherry Creek Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 4249/100K (169% above national average)
What You'll Likely Pay
$16
Est. Monthly
$189
Est. Annual
$14
With Discounts/mo
$15
State Avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for IMT Cherry Creek Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near IMT Cherry Creek Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $103/yr |
| USAA | $10/mo | $116/yr |
| State Farm | $13/mo | $154/yr |
| Progressive | $14/mo | $167/yr |
| Safeco | $14/mo | $167/yr |
| Travelers | $15/mo | $180/yr |
| Allstate | $16/mo | $193/yr |
| Nationwide | $16/mo | $193/yr |
| Farmers | $17/mo | $206/yr |
| Liberty Mutual | $19/mo | $231/yr |
Discounts You May Qualify For
Next Step
See if you can beat $14/mo
6 discounts may apply here. Real quotes show your actual price — estimates can't.
Property Crime & Theft Risk
Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for Denver.
Denver property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. IMT Cherry Creek Apartments also has on-site security features (Controlled access, Gated, Package lockers, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, Denver (2024-12 to 2025-11)
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
On-Site Security
Natural Hazards & Your Renters Coverage
The seismic picture at IMT Cherry Creek Apartments is moderate — damaging earthquakes are uncommon but not unheard of, and standard renters insurance excludes earthquake damage regardless of likelihood. Flood risk is low at this address. The decision worth weighing is whether to add an inexpensive earthquake endorsement or skip it; the rationale for each is below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Earthquake shaking
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Moderate seismic hazard · ground motion 0.11g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
Severe-weather activity in Denver County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for Denver County. Counts reflect reported events, not damage amounts.
This is the kind of address where the earthquake endorsement is a personal-preference call, not a clear-cut decision. Renters with valuable possessions usually add it; renters with mostly furniture and a laptop usually skip it.
755 S Dexter St, Denver, CO 80246
Glendale University Area
Monthly Cost Breakdown at IMT Cherry Creek Apartments
The listed rent isn't the whole number. Here's what IMT Cherry Creek Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at IMT Cherry Creek Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Administrative Fee
Charged per unit.
Package Locker
Charged per unit.
Credit Reporting
Charged per unit.
Trash or Valet Trash Service
$6 Trash Service Fee applies to floor plans A1E, A2E, A3E, A4E, A5E, A6E, A7E, B1E, B2E, B3E, B4E, C1E. $20 Valet Trash Service Fee applies to floor plans A1W, A2W B1W Charged per unit.
Submetered Sewer
Charged per unit.
Submetered Water
Charged per unit.
Water - Base
Charged per unit.
Application Fee
Charged per applicant.
Admin Fee
Charged per unit.
Security Deposit
*One Bedroom: $200. Two Bedroom: $250. Three Bedroom: $300. Security deposits are on approved credit only. Charged per unit.
Pets Fees
Pet Deposit
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Reserved Parking
Max of 10. Charged per vehicle.
Optional Add-On Fees
Renters Insurance
Charged per unit.
Pet Fee
Charged per unit.
About IMT Cherry Creek Apartments
From the property listing:
Welcome to IMT Cherry Creek, ideally situated in the desirable neighborhood of Cherry Creek, CO. Enjoy coming home to well-appointed one, two, and three bedroom apartment homes complete with all the conveniences you desire. From two fitness centers to a clubhouse with Resident Lounge to two outdoor swimming pools, one of which is heated and open year-round, and spas, IMT Cherry Creek is comprised of two communities, which together boasts double the amount of amenities that are sure to fit any lifestyle.
Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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